Property Damage Liability Insurance

Ormond Beach, Daytona Beach, and Palm Coast, Florida

Your Ormond Beach auto insurance policy has coverage for property damage liability:

  • If you or someone driving the car with your permission causes damage to someone's property.
  • Although it is usually just damage to another person's car, it can also include damage to other structures such as telephone poles and mail boxes.

Collision Coverage

If your car collides with another car, object, or is damaged as a result of flipping over then this is the coverage that has you protected. A little known fact is that collision also covers damage caused by potholes!

Deductibles of $250 to $1,000 are the most common and the higher your deductible, the lower your premium will be. Don't worry - you are covered by your collision insurance even if you are at fault for the accident so you can pay to have your car repaired (after meeting the deductible). If the other drive is the one at fault then your insurance company will mostly likely recover the amount they paid you from the other driver's insurance coverage and in that case you will be reimbursed for the deductible as well.

Comprehensive Coverage

What if your car is stolen or has damage caused by something other than a collision such as fire, falling trees, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, meteors, riot, or contact with animals such as birds or deer? That is when you breathe a sigh of relief because your auto insurance also includes comprehensive coverage.

Comprehensive auto insurance is typically provided with a deductible that ranges from $100 to $300 but if you are comfortable with a higher deductible feel free to request one as a way of lowering your overall premium. And that rock that just cracked your windshield? Hello comprehensive car insurance: this will reimburse you if your windshield is cracked or shattered and some insurance companies will provide this glass coverage without a deductible.

If you have a car loan, your lending institution will most likely insist you carry this insurance until your loan is paid off. Contact Mitchell Noel for a detailed explanation of Florida auto insurance requirements.

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